New Year, New Goals — Don’t Forget Protection January feels like a clean slate. You’ve probably written down goals like: Get back in shape Save more money Travel or invest in yourself Start a side hustle or grow your career But here’s a powerful question to ask yourself:Is your income protected in case something unexpected... Continue Reading →
Year-End Financial Checklist: 7 Things to Review Before the Year Ends
Before you say hello to the New Year, make sure you’ve checked off the most important financial to-dos of the year. This blog post is your simple yet powerful year-end financial checklist to help you reflect, review, and reset your finances for the year ahead. 📋 1. Review Your Insurance Coverage Do you have enough... Continue Reading →
Emergency Fund vs. Insurance: Do You Really Need Both?
You’ve probably heard both phrases countless times:💸 “Build your emergency fund.”🛡 “Get insured as early as you can.” But here’s the problem — many Filipinos think they can choose just one.“May savings naman ako, hindi ko na siguro kailangan ng insurance.”Or the other way around: “May insurance na ako, okay na siguro kahit walang emergency... Continue Reading →
The Hidden Cost of Delaying Insurance: Real Numbers, Real Regrets
"Saka na lang.""Next year na lang ako kukuha.""Pag may extra na akong pera." These are words I often hear from people when I talk to them about insurance. And I get it — life gets busy, and sometimes, insurance doesn’t feel urgent. But here’s the truth: 👉 Delaying your insurance plan doesn’t save you money.... Continue Reading →
Insurance Myths Na Dapat Mo Nang I-let Go: Real Talk for Every Juan
Let’s be honest — insurance isn’t exactly a hot topic sa kapehan o inuman. But it should be. Because what you don’t know (or worse, what you believe without checking) can cost you big time. Maraming Pilipino ang natatakot sa insurance, not because of facts, but because of myths passed down or picked up somewhere.... Continue Reading →
What Insurance Plan is Right for You? A Life Stage Guide for Every Filipino
Life doesn’t come with a manual—but the right financial tools can help you navigate every chapter with more confidence. And when it comes to building your safety net, insurance is one of the smartest (and most underrated) financial decisions you can make. But here’s the catch: the best insurance plan for you depends on your... Continue Reading →
Love, Budget, and Babies: Financial Planning for Newlyweds 💍
Congratulations! Kakasabi niyo lang ng “I do,” and now you’re starting a brand-new chapter—life together as a team. Exciting, di ba? Pero habang pinaplano niyo ang future, hindi lang dapat wedding and honeymoon ang inihahanda...Kailangan ding pag-usapan ang pera. Yes, love is powerful. But when you combine it with smart financial planning?That’s how you build... Continue Reading →
Insurance and HMO for Freelancers and Self-Employed Professionals: Why You Need Protection Too
“Wala akong employer, so wala rin akong benefits.”Familiar? Kung isa kang freelancer or self-employed na Pinoy, malamang nasabi mo na ‘yan—kahit minsan. You work hard. You chase clients. You manage your time, finances, and output all on your own. Pero habang busy ka sa paghahanap ng next gig or bagong project, napapaisip ka rin siguro:... Continue Reading →
How High Net Worth Individuals (HNWIs) Use HMO and Critical Illness Insurance to Protect Their Wealth
When we think of high net worth individuals (HNWIs), we often assume they don’t need insurance. After all, they have more than enough money to pay for hospital bills, right? But here’s the truth: The wealthier you are, the more you have to protect. That’s exactly why the rich do invest in tools like HMO... Continue Reading →
Tips for OFWs: How to Protect Your Income and Family Back Home
Every time an Overseas Filipino Worker (OFW) boards that plane, dala niya hindi lang maleta—dala rin niya ang bigat ng responsibilidad. Para sa pamilya. Para sa pangarap. Para sa kinabukasan. Pero habang abala tayo sa pagpapadala ng remittance buwan-buwan, minsan nakakalimutan nating tanungin ang sarili natin:“Paano ko mapoprotektahan ang pinaghirapan ko?”“Paano kung bigla akong mawalan... Continue Reading →